Saving for a 2026 Toyota 4Runner SR5?
Reviewed July 2026 · figures are national-average guides, not quotes
The money at a glance
What it costs to buy
What it costs to run
What owning it really costs, all in
Your plan
Put away about $156 a week and your $8,098 down payment is ready in a year — your car fund keeps growing while you wait.
Start my 4Runner fundHave the Downly app? Open it hereA down payment on this car is often around $8,098. Leasing keeps about $7,066 more of your cash working for you instead of handing it to the dealer — and that money can grow to about $17,117 over a 3-year lease. See your monthly and how much cash you'd keep — lease vs buy, side by side.
New to leasing this kind of car? Read the lease vs buy suv guide.
Show Downly the dealer's numbers and it tells you, in plain words, whether the price is fair and exactly what to say to keep more in your pocket.
Check this 4Runner dealType the sticker price and the price you're being offered — we'll tell you in plain words if it's a good deal. One free check, no account needed.
The window-sticker price.
Questions people ask
The sticker is about $42,000. At a fair price you'd pay closer to $40,488 — roughly $1,512 less.
In about three years it may be worth around $26,040 — it keeps roughly 62% of its value.
Roughly $3,808 — about 9% of what you paid. The steepest part of a car's value drop happens early, which is why buying at a fair price and saving a solid down payment matters most up front. A national-average guide, not a quote.
A common starting point is about 20% of the price up front — for this car that's roughly $8,098. Put away about $156 a week and your car fund is ready in a year.
Figure on about $2,100 a year to keep it moving — fuel for around 12,000 miles of driving. It's a national-average guide, not a quote: your real cost depends on local prices and how far you drive.
Around $20,748 over three years — the roughly 62% of its value it keeps means it only loses part of what you paid, and that drop plus about $2,100 a year to run is the real cost of owning it. A national-average guide, not a quote.
Around $30,677 over five years — many owners keep a car about this long. It may be worth roughly $20,311 by then (about 48% of its value), and that drop plus about $2,100 a year to run is what owning it really costs. A national-average guide, not a quote.
Spread over the three years you own it, that works out to about $576 a month, all in — the value it loses plus what it costs to run. A simple way to see if it fits your budget. A national-average guide, not a quote.
Spread across the three years you own it, that's about $133 a week, all in — the value it loses plus what it costs to run. Handy if you think about money week to week, the way a car fund grows. A national-average guide, not a quote.
About 18¢ a mile — the roughly $2,100 a year to keep it moving, spread over around 12,000 miles of driving. Handy if your commute is much shorter or longer than average. A national-average guide, not a quote.
About 58¢ a mile, all in — the roughly $20,748 it costs to own over three years, spread across around 36,000 miles of driving. That's the value it loses plus what it costs to run, so it's a good bit more than the 18¢ a mile just to keep it moving. A national-average guide, not a quote.
Head-to-head
Compare other cars
More from Toyota
More like this